ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 11,717

ASPCA Pet Health Insurance® is committed to making veterinary care more affordable for pet parents. Its Complete Coverage plan covers accidents, injuries and illnesses, and features a simplified reimbursement based on percentage of invoice. Learn more about ASPCA’s plan options, read thousands of customer reviews and get a quote so you can make an informed choice about your pet insurance provider.
5

out of 5

POSTED: | BY: Colleen Healy- Smart

Financial lifesaver!

Pet Insurance is a financial life saver! I have always had insurance for my dogs and never really had to use it too much - until Odin - my 125lb Rescue German Rottie - he has had heartworm, intestinal parasites, salt toxicity (Learned dogs shouldn't swim in Ocean - I'm a Lake girl) and absolutely hates the vet! All of this has cost me $$$$$ and thankfully ASPCA insurance has always been there! Submitting a claim is super easy and reimbursement is quick! Cuatomer Service rocks! Thank you!
5

out of 5

POSTED: | BY: Rita Bergstein

ASPCA Pet Insurance is the best!

I chose ASPCA Pet Insurance because of thier advocacy for animals. I was just about to cancel it bc "i prob dont need it". Well, my pup jumped off of the couch and tore the ligaments in her wrist. This insurance couldnt have been better. The claims process was easy, they paid claim fast, and they asked how my dog was, too. LOVE THEM! Highly reccomend.
5

out of 5

POSTED: | BY: Cheryl

Very satisfied

They responded quickly evaluating my pets medical claim and stated they were issuing a check to me. It is easy and understandable using the website to file a claim. I am very happy with their claim process.
1

out of 5

POSTED: | BY: Rolando Felizola

ASPCA Pet Insurance

ASPCA Pet Insurance: My Dog Got Dumped, Not Covered! Don't waste your money and your trust on ASPCA pet insurance! This "charity" turned insurance company is a total scam. Here's why: 12 Years Down the Drain: After twelve years of loyal payments and minimal claims, ASPCA booted my senior dog to the curb when they needed coverage the most. They canceled my policy, supposedly because a "State issue" Pre-Existing Condition Bait and Switch: Their "solution" was a renewal policy at double the price, but with a catch so dirty it would make a skunk blush. Anything my dog EVER had during those 12 years, even minor stuff, would be considered now a pre-existing condition and excluded! So basically, all those years of paying them were meaningless. They Don't Care About Your Pet, They Care About Profit: This whole ordeal screams one thing: ASPCA only cares about making money, not about your pet's well-being. They'd rather squeeze every penny out of you than be there when your furry friend needs them. Don't be a sucker like me! There are plenty of other pet insurance companies out there that won't screw you over when your pet needs them most. Do your research, find a company with a decent reputation (unlike ASPCA!), and save yourself the heartache and financial burden. ASPCA Pet Insurance: Total. Rip. Off.
1

out of 5

POSTED: | BY: Roxanne Uganiza

It has been over 2 weeks without any…

It has been over 2 weeks without any response from my claim submitted. They requested documents, submitted the documents, and no communication from there.

Monthly Cost

Rates start at: $10 (for accident only), $16 (Complete Coverage). Rates vary based on species, age, breed, and location.

Coverage

The pay-out amount is based on the actual vet bill, at a rate pre-selected by the customer: 90%, 80% or 70%

Payout Limits

Annual limits can be set by the customer, ranging from $2,500 to $20,000, including an unlimited option. No lifetime limits.

Deductible

$100, $250 or $500 annually.

Age Limits

No upper age limits. Pets must be at least 8 weeks old to enroll.

Waiting Period

There are no waiting periods for preventive care. Coverage begins 14 days after date listed on policy for accidents, illnesses, and knee/ligament conditions.

Exclusions

Pre-existing conditions, cosmetic procedures and breeding costs are not covered. ASPCA Pet Health Insurance has two Preventive Care plans that can be added to help cover a pet’s wellness care, including annual exams, vaccinations, tests, dental cleanings and flea/heartworm preventive. Preventive Care plans reimburse up to a set amount for each listed treatment. If your pet exhibited symptoms of a knee and ligament condition at any time, prior to enrollment or during a waiting period, all ligament and knee conditions will be excluded. Ligament and Knee are conditions involving a ligament, patella, meniscus or soft tissue disorder of the knee. Accident-Only coverage available.
ASPCA Pet Health Insurance®, provided by Crum & Forster Pet Insurance Group through its licensed agency, C&F Insurance Agency, Inc., is committed to improving animal care across the U.S. by making veterinary care more affordable for pet parents. Their Complete Coverage(SM) plan covers accidents, injuries, illnesses and more, and features simplified reimbursement based on percentage of invoice.  Preventive Care is available at an additional cost.

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